We strive to make our payments pricing straightforward and transparent. This article outlines how fees work when using CivicPlus Payments, what you can expect to see on your statements, and how to get full pricing details.
Overview of Fees
When you accept payments through CivicPlus Payments, a small fee is charged per transaction to cover processing costs, security, and service operations.
A few things to note:
Fees may vary based on the payment method used (credit card verus ACH)
American Express rates are higher
Additional fees will be applicable based on per occurrence, such as refunds and disputes
One-time cost per device (terminal) and Annual fee per device are applicable only for in-person payment acceptance
Fee Structure
Cards
Fee Type | Amount Charged |
|---|---|
Credit and Debit Cards (Visa, MasterCard, Discover) | 3% + $0.30 |
American Express Cards | 3.5% + $0.30 |
Card Refund | $0.30 per occurrence |
Card Dispute | $15.00 per occurrence |
ACH
Fee Type | Amount Charged |
|---|---|
ACH (Bank Transfer) | 1% up to $5.00 + $0.30 (capped at $5.30) |
ACH Refund | $0.30 per occurrence |
ACH Return | $15.00 per occurrence |
Devices
Fee Type | Amount Charged |
|---|---|
Ingenico Link 2500 |
|
Ingenico Lane 3000 |
|
Ingenico Lane 3600 P2PE |
|
Ingenico Lane 7000 |
|
Where You’ll See the Fees
Fees are typically deducted from each payout you receive. You can view fee breakdowns directly in your Payments Portal. Please see the Reporting & Reconciliation section for more information.
What if I’m Using an External Processor?
If you’re using an external processor, please note that you will work with them directly on all pricing and fees related to your merchant account.